AAA Daily Advantage Visa Signature® Credit Card
VisaIssued by Comenity Capital Bank
Earn 5% cash back on groceries and 3% on gas, wholesale clubs, streaming, pharmacy, and AAA purchases (combined $500 annual limit).
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.49% – 31.49%
Rate based on creditworthiness and prime rate.
SIGN-UP BONUS
100
Earn a $100 statement credit when you spend $1,000 on your card within the first 90 days of account opening.
TOP CASH BACK
5% cash back
Earn 5% cash back on grocery store purchases.
Key Benefits
- 5% cash back on grocery store purchases
- 3% cash back on gas and electric vehicle-charging stations, wholesale clubs, streaming services, pharmacy, and AAA purchases
- 2% cash back on Hertz purchases at AAA or directly through Hertz
- 1% cash back on all other purchases
- No annual fee and no foreign transaction fees
- Visa Signature benefits including Travel and Emergency Assistance and Zero Liability
Important Limitations
- Extensive international travel that requires premium lounge access or heavy flight multipliers
- Carrying a month-to-month balance due to the high standard APR
Rewards Structure
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Grocery Stores | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back on grocery store purchases. |
| Gas | 3% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 3% cash back on gas and electric vehicle-charging stations. |
| Wholesale Clubs | 3% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 3% cash back on wholesale clubs. |
| Pharmacies | 3% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 3% cash back on pharmacy AAA purchases. |
| streaming | 3% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 3% cash back on streaming services. |
| Hertz Car Rentals | 2% cash back | Unlimited (no annual cap) | • Hertz |
| All | 1% cash back | Unlimited (no annual cap) | Earn 1% cash back on all other purchases. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
17.49% – 31.49%
CASH ADVANCE APR
32.49% – 32.49%
FOREIGN TRANSACTION FEE
0%
BALANCE TRANSFER FEE
$10 OR 5%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Visa Zero Liability
- ✓You won't be held responsible for unauthorized transactions made with your Visa card.
- ✓Report unauthorized activity promptly
Travel and Emergency Assistance Services
- ✓Access to a multilingual call center 24/7 to help get assistance you need when traveling or working anywhere in the world.
- ✓Cardholder pays for the cost of third-party services arranged by the center
Security Features
- ✓Visa Zero Liability – Protection against unauthorized transactions on your account.
Best Use Cases
IDEAL FOR
- Families and individuals who spend heavily at grocery stores
- Members who frequently shop at wholesale clubs and pharmacies
- Consumers looking for a robust cash back card with no annual fee and no foreign transaction fees
NOT RECOMMENDED FOR
- Extensive international travel that requires premium lounge access or heavy flight multipliers
- Carrying a month-to-month balance due to the high standard APR
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $1,000.00 to unlock $100.00 bonus
- Effective 10% return on first $1,000.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 5% cash back on Grocery Stores
- 3% cash back on Gas
- 3% cash back on Wholesale Clubs
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-305-1219
Last updated: Mar 11, 2026
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